Reverse couponing

ABSTRACT

Embodiments of the invention are directed to systems, methods and computer program products for reverse couponing. An exemplary apparatus is configured to determine user information and account information associated with a user; adjust offer information associated with an offer based on the user information and the account information, wherein the offer enables the user to receive at least one of a discount or a rebate on a purchase from a merchant; and transmit the adjusted offer to the user.

CROSS-REFERENCE TO RELATED APPLICATIONS

The present application is a continuation application of U.S.non-provisional patent application Ser. No. 13/553,863, filed Jul. 20,2012 of the same title; the content of which is also incorporated hereinby reference in its entirety.

BACKGROUND

When an entity sends a targeted purchase offer to a potential customer,there is a greater likelihood that the potential customer actually takesadvantage of the purchase offer. By sending purchase offers to potentialcustomers who will likely use the purchase offers and excluding thosewho will likely not use the purchase offers, an entity can save millionsof dollars in sending out purchase offers to those who will likely notuse the purchase offers. Therefore, there is a need for a system toproduce targeted purchase offers.

BRIEF SUMMARY

In some embodiments, an apparatus is provided for reverse couponing. Theapparatus comprises a memory; a processor; and a module stored in thememory, executable by the processor, and configured to: determine userinformation and account information associated with a user; adjust offerinformation associated with an offer based on the user information andthe account information, wherein the offer enables the user to receiveat least one of a discount or a rebate on a purchase from a merchant;and transmit the adjusted offer to the user.

In some embodiments, determining the user information and the accountinformation associated with the user comprises determining a purchasetransaction to be executed by the user within a predetermined period oftime in the future.

In some embodiments, the offer comprises an electronic coupon.

In some embodiments, the offer comprises a stored value card associatedwith a merchant.

In some embodiments, adjusting comprises adjusting an amount or apercentage of a discount or a rebate associated with a purchasetransaction.

In some embodiments, adjusting comprises adjusting a type of purchasetransaction for which the offer can be used.

In some embodiments, adjusting comprises changing a merchant for whichthe offer can be used.

In some embodiments, the offer is transmitted to the user based on atleast one of the user information or the account information.

In some embodiments, the module is configured to determine whether totransmit the offer to the user based on the at least one of the userinformation or the account information prior to adjusting the offerinformation associated with the offer.

In some embodiments, the offer is transmitted to the user based on theuser not being excluded by at least one user exclusion rule and themerchant not being excluded by at least one merchant exclusion rule.

In some embodiments, the module is configured to determine whether theuser is excluded by the at least one user exclusion rule and whether themerchant is excluded by the at least one merchant exclusion rule priorto adjusting the offer information associated with the offer.

In some embodiments, the user receives the at least one of the discountor the rebate associated with the offer after the user executes apurchase transaction associated with the offer.

In some embodiments, after the user executes a purchase transactionassociated with the adjusted offer, the adjusted offer and the purchasetransaction are processed as part of a batch processing operation,wherein the batch processing operation comprises processing a pluralityof financial institution accounts.

In some embodiments, the at least one user exclusion rule comprises atleast one of an affinity exclusion rule, a risk exclusion rule, or anaccount exclusion rule.

In some embodiments, the at least one merchant exclusion rule comprisesa merchant category code exclusion rule, and wherein the at least onemerchant exclusion rule is based at least partially on a list ofmerchants associated with an excluded merchant category code that arenot excluded.

In some embodiments, the account information comprises a transactionhistory associated with the user's financial institution account, andwherein the transaction history comprises at least one of a type of atransaction, a frequency associated with the transaction, an amountassociated with the transaction, or a merchant associated with thetransaction.

In some embodiments, the user information comprises personal informationassociated with at least one of the user, a family member of the user,or a friend of the user, wherein the personal information comprises atleast one of demographic information, salary information, contactinformation, residence address information, job profile information,education information, or social network information.

In some embodiments, the offer is presented via at least one of a userinterface associated with the user's financial institution account, auser interface associated with the user's social network account, email,or text message.

In some embodiments, the offer is presented to the user on a portablemobile communication device.

In some embodiments, the offer comprises an offer to receive at leastone of a discount or a rebate on at least one of a purchase previouslymade by the user, a purchase from a merchant from which the userpreviously made a purchase, an alternative to the purchase previouslymade by the user, an alternative to the purchase from the merchant fromwhich the user previously made a purchase, or a product or servicerelated to a purchase previously made by the user.

In some embodiments, the purchase comprises at least one of: at leastone purchase associated with a predetermined period, at least onepurchase associated with a predetermined amount, an aggregate of aplurality of purchases, or a largest purchase

In some embodiments, a method for reverse couponing is provided. Themethod comprising: determining user information and account informationassociated with a user; adjusting offer information associated with anoffer based on the user information and the account information, whereinthe offer enables the user to receive at least one of a discount or arebate on a purchase from a merchant; and transmitting the adjustedoffer to the user.

In some embodiments, a computer program product for reverse couponing isprovided. The computer program product comprises a non-transitorycomputer-readable medium comprising a set of codes for causing acomputer to: determine user information and account informationassociated with a user; adjust offer information associated with anoffer based on the user information and the account information, whereinthe offer enables the user to receive at least one of a discount or arebate on a purchase from a merchant; and transmitting the adjustedoffer to the user.

BRIEF DESCRIPTION OF THE DRAWINGS

Having thus described embodiments of the invention in general terms,reference will now be made to the accompanying drawings, where:

FIG. 1 is a flowchart illustrating a general process flow forimplementing rule-based offer association, in accordance withembodiments of the present invention;

FIG. 2 is a flowchart illustrating a general process flow for queuinginput information for performing rule-based offer association, inaccordance with embodiments of the present invention;

FIG. 3 is a flowchart illustrating a general process flow forimplementing an intelligent offer tool, in accordance with embodimentsof the present invention;

FIG. 4 is a block diagram illustrating technical components of a systemfor implementing the various processes described herein, in accordancewith embodiments of the present invention; and

FIG. 5 is a flowchart illustrating a general process flow for reversecouponing, in accordance with embodiments of the present invention.

DETAILED DESCRIPTION OF EMBODIMENTS OF THE INVENTION

Embodiments of the present invention now may be described more fullyhereinafter with reference to the accompanying drawings, in which some,but not all, embodiments of the invention are shown. Indeed, theinvention may be embodied in many different forms and should not beconstrued as limited to the embodiments set forth herein; rather, theseembodiments are provided so that this disclosure may satisfy applicablelegal requirements. Like numbers refer to like elements throughout.

Embodiments of the invention are directed to systems, methods andcomputer program products for implementing reverse couponing. Theinvention enables an entity to send targeted offers to a user thatenables the user to receive at least one of a discount or a rebate on apurchase from a third-party merchant. As used herein, an offer may alsobe referred to as a coupon (e.g., an electronic coupon).

In some embodiments, an “entity” may be a financial institution. For thepurposes of this invention, a “financial institution” may be defined asany organization, entity, or the like in the business of moving,investing, or lending money, dealing in financial instruments, orproviding financial services. This may include commercial banks,thrifts, federal and state savings banks, savings and loan associations,credit unions, investment companies, insurance companies and the like.In some embodiments, the entity may allow a user to establish an accountwith the entity. An “account” may be the relationship that the user haswith the entity. Examples of accounts include a deposit account, such asa transactional account (e.g., a banking account), a savings account, aninvestment account, a money market account, a time deposit, a demanddeposit, a pre-paid account, a credit account, a non-monetary userprofile that includes only personal information associated with theuser, or the like. The account is associated with and/or maintained bythe entity. In other embodiments, an entity may not be a financialinstitution. In still other embodiments, the entity may be the merchantitself.

In some embodiments, the “user” may be a customer (e.g., an accountholder or a person who has an account (e.g., banking account, creditaccount, or the like) at the entity) or potential customer (e.g., aperson who has submitted an application for an account, a person who isthe target of marketing materials that are distributed by the entity, aperson who applies for a loan that not yet been funded).

As an example, an entity (e.g., a financial institution) may send anoffer to a user (e.g., an account holder). The offer may be presentedthe user via at least one of the user's electronic banking account(e.g., online banking account, mobile banking account on a portablemobile communication device, or the like), the user's social networkaccount, email, or text message. In some embodiments, the user mayselect an option associated with the presented offer to accept theoffer. When the user accepts the offer, the offer is activated so thatif the user uses an eligible payment method (as determined by the entityor the merchant) to make a purchase associated with the offer, the userreceives the benefit associated with the offer. In other embodiments,the offer may be automatically activated if the user has previouslychosen to automatically activate offers associated with particular types(e.g., associated with particular merchants or product or servicetypes). In some embodiments, the entity or the merchant may determinethat a user may choose among multiple eligible payment methods in orderto make a purchase associated with the offer.

As an example, the activated offer may be a rebate of $5 on a purchaseof $20 from a department store. The user may decide to use the offer byvisiting the department store and making a purchase of $20. In someembodiments, at the point of sale, the user pays $20 for the user'spurchase using an eligible payment method determined by the financialinstitution or the merchant (e.g., payment card, mobile device payment,check, or the like). When the transaction is processed by the financialinstitution at a predetermined settlement time in the future (e.g., aspart of a periodic batch processing operation to generate monthlyaccount statements), the financial institution provides a rebate of $5to the user's financial institution account. Therefore, the departmentstore, at the point of sale, may have no knowledge that the user willreceive a rebate at some point in the future. In some embodiments, eventhe user may not be aware of the rebate at the point of sale (e.g., ifthe offer was automatically activated). In other embodiments, the pointof sale terminal may provide an indication to at least one of thedepartment store or the user that the user will receive a rebate at somepoint in the future.

Referring now to FIG. 1, a general process flow 100 is provided forimplementing rule-based offer association. At block 110, the methodcomprises receiving at least one rule, the at least one rule comprisingat least one of a user exclusion (or user filtering) rule or a merchantexclusion (or merchant filtering) rule. At block 120, the methodcomprises receiving user information associated with a user, the userinformation comprising account information associated with the user'sfinancial institution account. At block 130, the method comprisesdetermining whether to send an offer to the user based on the at leastone rule and based on the received user information, the offer enablingthe user to receive at least one of a discount or a rebate on a purchasefrom a merchant. As described previously, in some embodiments, thediscount or rebate is received at a point of time in the future when thetransaction that qualifies for the offer is processed by the financialinstitution.

In some embodiments, account information, as used herein, refers toinformation associated with the user's financial institution account(s)managed by a single financial institution. In other embodiments, accountinformation may refer to information associated with the user'sfinancial institution accounts managed by multiple distinct financialinstitutions.

As used herein, a user exclusion rule is a rule that excludes some usersfrom receiving offers. In some embodiments, the at least one userexclusion rule comprises an affinity exclusion rule. Therefore, if thefinancial institution (or a merchant partner associated with thefinancial institution) already has an existing relationship (e.g., forproviding or sending offers associated with the particular merchant)with some users via an affinity program, those users are excluded fromreceiving an offer. The affinity exclusion rule comprises at least oneof a full affinity exclusion rule or a partial affinity exclusion rule.When the affinity rule comprises a full affinity exclusion rule, theuser is completely excluded from receiving an offer (e.g., an offerassociated with a particular merchant) if the financial institution (ora merchant partner associated with the financial institution) alreadyhas an existing relationship with the user. When the affinity rulecomprises a partial affinity exclusion rule, the user is excluded fromreceiving an offer associated with a particular product, service, orindustry associated with a particular merchant that already has anexisting relationship with the user for the particular product, service,or industry, but the user may receive offers associated with otherproducts, services, or industries associated with the particularmerchant. Additionally or alternatively, the user is excluded fromreceiving an offer associated with a competitor of a particular merchantif that particular merchant already has an existing relationship withthe user.

In some embodiments, the at least one user exclusion rule comprises arisk exclusion rule. Therefore, if a user is determined to be a riskyuser (e.g., has a credit score lower than a predetermined threshold),the user is excluded from receiving an offer. In some embodiments, theat least one user exclusion rule comprises an account exclusion rule.Therefore, for example, if a user's account has a balance (or anotheraccount characteristic) that is lower than predetermined threshold, theuser is excluded from receiving an offer.

In some embodiments, a merchant exclusion rule is a rule that excludessome merchants from providing offers to users associated with thefinancial institution. In some embodiment, the at least one merchantexclusion rule comprises a merchant category code exclusion rule.Therefore, a merchant associated with a predetermined merchant categorycode (e.g., a healthcare code) is excluded from providing an offer.However, the financial institution may set up a list of merchants thattrigger exceptions. Merchants that trigger exceptions can provide offerseven if these merchants are associated with the excluded merchantcategory codes.

In some embodiments, the account information comprises a transactionhistory associated with the user's financial institution account. Thetransaction history includes the types of transactions, frequency oftransactions, amount of each transaction, merchants associated withtransactions, account balance history, or the like. Additionally oralternatively, the account information may or may not compriseinformation associated with incorrect, inconsistent, incomplete, orcorrupted transactions. As used herein, a transaction may comprise apurchase, a deposit, a withdrawal, a credit, a debit, or the like.

In some embodiments, the user information comprises other information aswell. For example, in some embodiments, the user information comprisespersonal information (e.g., demographic information, salary information,contact information (mailing address, email address, phone number, orthe like), residence address history, education information, job profileinformation, or the like) associated with the user. In some embodiments,the personal information further comprises social network informationassociated with the user's social network account or other non-accountrelated information associated with the user. In some embodiments, theuser information further comprises user information (e.g., personalinformation, account information, or the like) associated with theuser's immediate or extended family members or contacts (e.g., asdetermined from social network information).

In some embodiments, when a purchase transaction is processed by thefinancial institution at a predetermined time in the future (i.e., atsettlement time or processing time), the system determines whether theoffer is still active and whether the offer is still valid with respectto both the user and the merchant. This post-transaction process may bereferred to as an offer reconciliation process. The offer is stillactive if the offer has not been revoked by at least one of thefinancial institution or the merchant and/or if the offer has notexpired.

The offer is valid with respect to the merchant if the merchant is notexcluded under any merchant exclusion rules. As described previously,the merchant's offer may be transmitted to or presented to the user ifthe merchant is not excluded under any merchant exclusion rules. In someembodiments, in order for the offer to be valid, the merchant cannot beexcluded under any merchant exclusion rules that were in force at thetime of the purchase transaction. Additionally or alternatively, in someembodiments, in order for the offer to remain valid, the merchant cannotbe excluded under any merchant exclusion rules that are in force at thetime of settlement of the offer. Therefore, in some embodiments, themerchant cannot be excluded under any new merchant exclusion rules thathave been introduced since the purchase transaction.

The offer is valid for the user if the user is not excluded under anyuser exclusion rules. As described previously, the user is presentedwith the merchant's offer if the user is not excluded under any userexclusion rules. In some embodiments, in order for the offer to bevalid, the user cannot be excluded under any user exclusion rules thatwere in force at the time of the purchase transaction. Additionally oralternatively, in some embodiments, in order for the offer to remainvalid, the user cannot be excluded under any user exclusion rules thatare in force at the time of settlement of the offer. Therefore, in someembodiments, the user cannot be excluded under any new user exclusionrules that have been introduced since the purchase transaction.

If both the user and the merchant are not excluded at the time ofsettlement, the offer is still valid and the financial institutionprovides a rebate to the user's financial institution account. In someembodiments, if at least one of the user or the merchant is excluded atthe time of settlement, the offer is invalid and the financialinstitution does not provide a discount or rebate to the user'sfinancial institution account. However, in alternate embodiments, evenif at least one of the user or the merchant is excluded at the time ofsettlement, the offer remains valid as long as the user and the merchantwere not excluded at the time of the purchase transaction, andconsequently the financial institution provides a discount or rebate tothe user's financial institution account.

Referring now to FIG. 2, a general process flow 200 is provided forqueuing input information for performing rule-based offer association.The input information may include various types of informationassociated with a user. For example, the input information may includeaccount information associated with the user's financial institutionaccount and personal information associated with the user or the user'sfinancial institution account. In some embodiments, the inputinformation may include information received from external systems(e.g., systems not managed by the financial institution that manages theuser's financial institution account). For example, the inputinformation may include social network information associated with theuser's social network account. Therefore, each type of input informationis queued on a single queue (or multiple queues) until enough inputinformation is received to classify the user based on one or morepredetermined user profiles as described below. The invention is notlimited to any duration of time that the input information spends on aqueue.

At block 210, the method comprises receiving first input informationassociated with a user, the first input information being associatedwith the user's financial institution account and being received from afirst system. At block 220, the method comprises queuing the first inputinformation until receiving second input information associated with theuser, the second input information comprising personal informationassociated with the user and being received from a second system. Atblock 230, the method comprises classifying the user according to a userprofile based on the first input information and the second inputinformation.

The first system is separate from the second system. In someembodiments, the first system and the second system may be managed bydifferent entities. For example, the first system is managed by afinancial institution that manages the user's financial institutionaccount, and the second system is managed by an external entity thatprovides personal information regarding the user to the financialinstitution.

In alternate embodiments, the second input information, in addition toor instead of comprising personal information associated with the userand being received from a second system, comprises informationassociated with the user's financial institution account and is receivedfrom a third system that is managed by the financial institution. Thethird system is distinct from both the first and second systems, and theaccount information received from the third system is different from theaccount information received from the first system. For example, theaccount information received from the first system comprises thetransaction history for a predetermined period of time (e.g., theprevious three months), and the account information received from thethird system comprises information regarding bill payment historyassociated with bills being paid from funds associated with the user'sfinancial institution account. Alternatively, the account informationreceived from the third system comprises information regarding mortgagepayments associated with a mortgage loan provided by one of thefinancial institution that manages the user's financial institutionaccount or a different financial institution. Alternatively, the accountinformation received from the third system comprises the user's status.In some embodiments, the status may indicate whether the user iseligible to receive offers associated with particular purchases (eithera past purchase or a future purchase) or particular merchants. In someembodiments, the status may indicate the standing of the user'sfinancial institution account.

In other alternate embodiments, the first input information comprisespersonal information associated with the user that is received from thesecond system. This first input information is queued until second inputinformation associated with the user's financial institution account isreceived from the first system.

In some embodiments, the first input information comprises informationassociated with single-holder accounts (no joint holders) associatedwith the user, and the second input information comprises informationassociated with joint accounts associated with the user.

In some embodiments, the process flow 200 further comprises receiving atleast one rule; the at least one rule comprising at least one of a userexclusion rule or a merchant exclusion rule. In some embodiments, theprocess flow 200 further comprises determining whether to send an offerto the user based on the at least one rule and based on the receivedfirst input information and second input information, the offer enablingthe user to receive at least one of a discount or a rebate on a purchasefrom a merchant.

In some embodiments, the first input information comprises a transactionhistory associated with the user's financial institution account. Insome embodiments as described herein, the transaction history may beassociated with a predetermined time period (e.g., the previous threemonths). The transaction history includes the types of transactions,frequency of transactions, amount of each transaction, merchantsassociated with transactions, account balance history, or the like.Additionally or alternatively, the account information may or may notcomprise information associated with incorrect, inconsistent,incomplete, or corrupted transactions. As used herein, a transaction maycomprise a purchase, a deposit, a withdrawal, a credit, a debit, or thelike.

In some embodiments, the second input information (e.g., personalinformation) comprises demographic information, salary information,contact information (mailing address, email address, phone number, orthe like), residence address history, social network information,education information, job profile information, or the like. In someembodiments, the second input information may also comprise personalinformation or account information associated with the user's immediateor extended family members or contacts (e.g., as determined from socialnetwork information).

In some embodiments, the user profile comprises a collection of usersthat are associated with similar characteristics. These characteristicsmay relate to the users' account transactional behavior (e.g., types oftransactions, frequency of transactions, amount of each transaction,merchants associated with transactions, account balance history, or thelike). As used herein, a transaction may comprise a purchase, a deposit,a withdrawal, a credit, a debit, or the like. Additionally oralternatively, these characteristics may relate to the users' personalcharacteristics (e.g., demographic information, salary information,location information, social network information, education information,job profile information, or the like).

In some embodiments, the first input information comprises accountinformation or personal information associated with the user, and thesecond input information comprises account information or personalinformation associated with the user. Additionally, the financialinstitution may establish one or more criteria (e.g., the exclusionrules described herein) to determine whether the user qualifies toreceive an offer associated with a merchant. Therefore, as an example, auser qualifies for an offer (or an offer is sent to a user) if twopieces of information (e.g., the user's transaction history and theuser's mailing address) are received. The transaction history isreceived as part of the first input information and waits on a firstqueue. At a later point in time, the mailing address is received as partof the second input information. When the mailing address is received,the system determines that the criteria has been satisfied, and thefirst input information is combined with the second input information todetermine that the user qualifies for the offer (or to determine thatthe offer can be transmitted to the user).

In some embodiments, the queue comprising the first input information isreorganized into a cached area of the system. Additionally oralternatively, the queue comprising the second input information isreorganized into a cached area of the system. This reorganizationprocess improves the processing speed of any process that uses at leastone of the first input information or the second input information.

In some embodiments, the system associated with the financialinstitution receives account information or personal information from asource either external to or internal to the financial instruction. Forexample, the system receives transaction history associated with a userfrom a merchant. The system described herein is enabled to receiveinformation (e.g., a string of information) from an external source andidentify and exclude some personal information (e.g., social securitynumber, credit card number, or the like) associated with the user, wherethe excluded personal information is not considered in processing theinput information associated with the user (e.g., determining whetherthe user qualifies to receive an offer). Therefore, for example, thesystem is enabled to determine a nine digit number (could be a socialsecurity number) in the string of information received from the merchantand exclude the nine digit number. As a further example, the system isenabled to determine a sixteen digit number (could be a credit or debitcard number) in the string of information received from the merchant andexclude the sixteen digit number.

Referring now to FIG. 3, a general process flow 300 is provided forimplementing an intelligent offer tool. At block 310, the methodcomprises receiving at least one offer, the at least one offer enablinga user to receive at least one of a discount or a rebate on a purchasefrom a merchant. At block 320, the method comprises receiving accountinformation associated with the user, the account information beingassociated with the user's financial institution account, the accountinformation comprising a transaction history. At block 330, the methodcomprises determining whether to present an offer to the user based onthe at least one offer and the account information. Therefore, thedetermining step comprises matching an offer to an account (e.g., basedon the account information) such that there is a high likelihood (e.g.,greater than a threshold probability) that the user associated with theaccount uses the offer to make a purchase using a payment methodassociated with the account.

In some embodiments, at block 320, the method further comprisesreceiving user information associated with the user. The userinformation includes both account information and personal informationassociated with the user as described previously with respect to FIGS. 1and 2. In such embodiments, at block 330, the method comprisesdetermining whether to present an offer to the user based on the atleast one offer and the user information.

In some embodiments, the process flow 300 further comprises determining,from the transaction history, whether to exclude a transaction, theexcluded transaction being associated with at least one of incorrect,inconsistent, incomplete, or corrupted merchant information orincorrect, inconsistent, incomplete, or corrupted transactioninformation. Therefore, if a merchant no longer exists, transactionsassociated with that merchant are excluded. Additionally, if there wereinconsistencies in the transaction or merchant information between whenthe transaction was executed (i.e., when the purchase was made) and whenthe transaction was processed by the financial institution, such atransaction is excluded as well. Additionally, in some embodiments, anexcluded transaction may be a transaction disputed by at least one ofthe user or the merchant. Excluded transactions are excluded from theprocess of determining whether to present an offer to a user.

In some embodiments, the system does not exclude a transaction. Instead,the system intelligently determines whether transactions have beenincorrectly keyed-in or whether transactions comprise incorrect merchantinformation. For example, the system intelligently determines that amerchant's name has changed (e.g., from Merchant ‘A’ to Merchant ‘B’),and considers transactions associated with both Merchant ‘A’ andMerchant ‘B’ as being associated with the same merchant. As a furtherexample, the system may determine that a transaction is only partiallycomplete (e.g., missing merchant information or price information, orthe like). In such an instance, the system may determine that availableinformation associated with the partially complete transaction issimilar to one or more other transactions in the transaction history. Insuch an instance, the system may add information to the partiallycomplete transaction based on the one or more similar transactions orbased on other information provided to the system. As a further example,the system may determine that a transaction may have incorrectinformation (e.g., a price that is too high or too low, a merchant'sname spelled incorrectly, or the like). In such an instance, the systemmay determine that information associated with the inconsistent orincorrect transaction is similar to one or more other transactions inthe transaction history. In such an instance, the system may rectify theinconsistent or incorrect transaction based on the one or more similartransactions or based on other information provided to the system.

In some embodiments, the presented offer is associated with a selectedpayment method. Exemplary payment methods include paying via a creditcard, debit card, personal check, mobile device, or the like. Theexemplary payment methods are not limited to those described herein. Insome embodiments, the payment method is selected by at least one of thefinancial institution, the merchant, or the user.

In some embodiments, the offer is presented via at least one of a userinterface associated with the user's financial institution account(e.g., online banking account, mobile banking account on a portablemobile communication device, or the like) or a user interface associatedwith the user's social network account. In some embodiments, the offeris inserted into or presented alongside (e.g., on the right, left, top,bottom side of a transaction, or between multiple transactions) thetransaction history that is presented on the user's online bankingaccount or mobile banking account. Therefore, for example, if tentransactions are listed in the transaction history, the offer may bepresented between the fourth and fifth transactions. In someembodiments, the offer may be related to the transaction which the offeris presented alongside (e.g., the fourth and/or fifth transaction in theabove example). For example, if the fourth transaction is a purchase ofitem ‘A’ from merchant ‘A,’ the offer is for a purchase of item ‘A’(e.g., from any merchant) or for a purchase from merchant ‘A’ (e.g., forany item) or for a purchase of item ‘A’ from merchant ‘A.’Alternatively, the offer may be for a purchase of a substitute of item‘A’ (e.g., from merchant ‘A’ or from any other merchant). In someembodiments, the offer is transmitted to the user's email account. Inother embodiments, the offer is transmitted, via text message, to theuser's mobile device.

In some embodiments, the presented offer is an offer to receive at leastone of a discount or a rebate on at least one of a purchase previouslymade by the user (e.g., a previous transaction associated with theuser's financial institution account), a purchase from a merchant fromwhich the user previously made a purchase, an alternative to thepurchase previously made by the user, or an alternative to the purchasefrom the merchant from which the user previously made a purchase. Thealternative to the purchase may be determined based on transactionhistories associated with a plurality of financial institution accountsassociated with multiple users.

In some embodiments, the presented offer is an offer to receive at leastone of a discount or a rebate on a product or service related to aprevious purchase made by the user. For example, if the user previouslybought a stove, the offer is a discount or rebate for a dishwasher or astove maintenance service.

In some embodiments, an offer that is sent to or presented on afinancial institution account associated with a first member of a familymay be used (or redeemed) by a second member of the family. In someembodiments, the second member of the family may use the offer even ifthe second member is not associated with the financial institutionaccount associated with the first member. For example, the offerassociated with a particular merchant may be transmitted to (or linkedto) a credit card account associated with a first family member. Whenthe second member of the family makes a purchase that qualifies for theoffer using the second member's credit card (or any other qualifyingpayment method), the second member receives the rebate after making thepurchase. The financial institution may have access to information thatindicates that the second member is a family member of the first membereven if the second member is not listed as being associated with thefinancial institution account associated with the first member.

Additionally, in some embodiments, as part of the previously describedoffer reconciliation process at the time of settlement of the offer, thesystem determines whether the account information substantially matchesthe offer information. If the account information has changed since thepurchase transaction such that the account information no longersubstantially matches the offer information, the offer may be deemed tobe invalid and the financial institution does not provide a rebate tothe user's financial institution account. However, in other embodiments,even if the account information has changed since the purchasetransaction, the offer remains valid and the financial institutionprovides a rebate to the user's financial institution account.

Referring now to FIG. 4, FIG. 4 presents an exemplary block diagram ofthe system environment 400 for implementing the process flows 100, 200,300, and 500 described in FIGS. 1, 2, 3, and 5 in accordance withembodiments of the present invention. As illustrated, the systemenvironment 400 includes a network 410, an external system 420, a system430, and an agent input system 440. Also shown in FIG. 4 is an agent 445of the agent input system 440. The agent 445 may be a person who usesthe agent input system 440 to execute an agent application 447 or usesthe agent input system 440 to initiate execution of a system application437. The agent application 447 and/or the system application 437 mayincorporate one or more parts of the process flows 100, 200, and 300.The agent may be an employee of the entity that manages the system 430and/or the external system 420. In other embodiments, the agent may notbe an employee of an entity, but may still provide a service under thedirection and/or supervision of the entity. Alternatively, the agentinput system 440 may be a user input system associated with a user of afinancial institution account as described herein. The featuresassociated with the agent input system 440 are also applicable to theuser input system. As described herein, a user input system may be aportable mobile device such as a portable mobile telecommunicationdevice or a portable tablet computer.

As shown in FIG. 4, the external system 420, the system 430, and theagent input system 440 are each operatively and selectively connected tothe network 410, which may include one or more separate networks. Inaddition, the network 410 may include a local area network (LAN), a widearea network (WAN), and/or a global area network (GAN), such as theInternet. The network may also include a mobile telecommunicationnetwork. It will also be understood that the network 410 may be secureand/or unsecure and may also include wireless and/or wireline and/oroptical interconnection technology.

The external system 420 may be any computing or non-computing systemthat transmits information to the system 430. Additionally oralternatively, information from the system 430 may be transmitted to theexternal system 420. As presented in FIG. 4, the external system 420comprises at least one datastore 422. The datastore 422 may compriseinformation relating to at least one of the user, the user's financialinstitution account, offers, rules related to targeting offers to users,personal information, or the like. As used herein, the terms “data” and“information” may be used interchangeably.

The agent input system 440 may include any computerized apparatus thatcan be configured to perform any one or more of the functions of theagent input system 440 described and/or contemplated herein. Forexample, the agent 445 may use the agent input system 440 to transmitand/or receive information or commands to and from the system 430. Insome embodiments, for example, the agent input system 440 may include apersonal computer system, a mobile computing device, a mobile phone, apersonal digital assistant, a network device, a mobile phone, and/or thelike. As illustrated in FIG. 4, in accordance with some embodiments ofthe present invention, the agent input system 440 includes acommunication interface 442, a processor 444, a memory 446 having anagent application 447 stored therein, and an agent interface 449. Insuch embodiments, the communication interface 442 is operatively andselectively connected to the processor 444, which is operatively andselectively connected to the agent interface 449 and the memory 446. Insome embodiments, the agent 445 may use the agent application 447 toexecute processes described with respect to the process flows describedherein, or may initiate the system 430 to execute the process flowsdescribed herein.

Each communication interface described herein, including thecommunication interface 442, generally includes hardware, and, in someinstances, software, that enables the agent input system 440, totransport, send, receive, and/or otherwise communicate information toand/or from the communication interface of one or more other systems onthe network 410. For example, the communication interface 442 of theagent input system 440 may include a modem, transceiver, server,electrical connection, and/or other electronic device that operativelyconnects the agent input system 440 to another system such as the system430. A transceiver may include radio circuitry for wirelesslytransmitting and receive information.

Each processor described herein, including the processor 444, generallyincludes circuitry for implementing the audio, visual, and/or logicfunctions of the agent input system 440. For example, the processor mayinclude a digital signal processor device, a microprocessor device, andvarious analog-to-digital converters, digital-to-analog converters, andother support circuits. Control and signal processing functions of thesystem in which the processor resides may be allocated between thesedevices according to their respective capabilities. The processor mayalso include functionality to operate one or more software programsbased at least partially on computer-executable program code portionsthereof, which may be stored, for example, in a memory device, such asin the agent application 447 of the memory 446 of the agent input system440.

Each memory device described herein, including the memory 446 forstoring the agent application 447 and other information, may include anycomputer-readable medium. For example, memory may include volatilememory, such as volatile random access memory (RAM) having a cache areafor the temporary storage of information. Memory may also includenon-volatile memory, which may be embedded and/or may be removable. Thenon-volatile memory may additionally or alternatively include an EEPROM,flash memory, and/or the like. The memory may store any one or more ofpieces of information and data used by the system in which it resides toimplement the functions of that system.

As shown in FIG. 4, the memory 446 includes the agent application 447.In some embodiments, the agent application 447 includes an interface forcommunicating with, navigating, controlling, configuring, and/or usingat least one of the system 430 or the agent input system 440. In someembodiments, the agent application 447 includes computer-executableprogram code portions for instructing the processor 444 to perform oneor more of the functions of the agent application 447 described and/orcontemplated herein. In some embodiments, the agent application 447 mayinclude and/or use one or more network and/or system communicationprotocols.

Also shown in FIG. 4 is the user interface 449. In some embodiments, theuser interface 449 includes one or more output devices, such as adisplay and/or speaker, for presenting information to the agent 445. Insome embodiments, the user interface 449 includes one or more inputdevices, such as one or more buttons, keys, dials, levers, directionalpads, joysticks, accelerometers, controllers, microphones, touchpads,touchscreens, haptic interfaces, microphones, scanners, motiondetectors, cameras, and/or the like for receiving information from theagent 445. In some embodiments, the user interface 449 includes theinput and display devices of a personal computer, such as a keyboard andmonitor, which are operable to receive and display information.

FIG. 4 also illustrates a system 430, in accordance with an embodimentof the present invention. The system 430 may include any computerizedapparatus that can be configured to perform any one or more of thefunctions of the system 430 described and/or contemplated herein. Inaccordance with some embodiments, for example, the system 430 mayinclude a computer network, an engine, a platform, a server, a databasesystem, a front end system, a back end system, a personal computersystem, and/or the like. In some embodiments, such as the oneillustrated in FIG. 4, the system 430 includes a communication interface432, a processor 434, and a memory 436, which includes a systemapplication 437 and a datastore 438 stored therein. As shown, thecommunication interface 432 is operatively and selectively connected tothe processor 434, which is operatively and selectively connected to thememory 436.

It will be understood that the system application 437 may be configuredto implement any one or more portions of the various user interfacesand/or process flow described herein. It will also be understood that,in some embodiments, the memory includes other applications. It willalso be understood that, in some embodiments, the system application 437is configured to communicate with the datastore 438, the agent inputsystem 440 and/or the external system 420.

It will be further understood that, in some embodiments, the systemapplication 437 includes computer-executable program code portions forinstructing the processor 434 to perform any one or more of thefunctions of the system application 437 described and/or contemplatedherein. In some embodiments, the system application 437 may includeand/or use one or more network and/or system communication protocols.

In addition to the system application 437, the memory 436 also includesthe datastore 438. As used herein, the datastore 438 may be one or moredistinct and/or remote datastores. In some embodiments, the datastore438 is not located within the system and is instead located remotelyfrom the system. In some embodiments, the datastore 438 storesinformation or data described herein. For example, the datastore 438 maystore information relating to at least one of the user, the user'sfinancial institution account, offers, rules related to targeting offersto users, personal information, or the like.

It will be understood that the datastore 438 may include any one or morestorage devices, including, but not limited to, datastores, databases,and/or any of the other storage devices typically associated with acomputer system. It will also be understood that the datastore 438 maystore information in any known way, such as, for example, by using oneor more computer codes and/or languages, alphanumeric character strings,data sets, figures, tables, charts, links, documents, and/or the like.Further, in some embodiments, the datastore 438 may include informationassociated with one or more applications, such as, for example, thesystem application 437. It will also be understood that, in someembodiments, the datastore 438 provides a substantially real-timerepresentation of the information stored therein, so that, for example,when the processor 434 accesses the datastore 438, the informationstored therein is current or substantially current.

It will be understood that the embodiment of the system environmentillustrated in FIG. 4 is exemplary and that other embodiments may vary.As another example, in some embodiments, the system 430 includes more,less, or different components. As another example, in some embodiments,some or all of the portions of the system environment 400 may becombined into a single portion. Likewise, in some embodiments, some orall of the portions of the system 430 may be separated into two or moredistinct portions.

In addition, the various portions of the system environment 400 may bemaintained for and/or by the same or separate parties. For example, thesystem 430 and the external system 420 may be maintained by separateparties.

It will also be understood that the system 430 may include and/orimplement any embodiment of the present invention described and/orcontemplated herein. For example, in some embodiments, the system 430 isconfigured to implement any one or more of the embodiments of theprocess flow 100, 200, 300, and 500 described and/or contemplated hereinin connection with FIGS. 1, 2, 3, and 5 or any other process flowdescribed herein.

Referring now to FIG. 5, a general process flow 500 is provided forreverse couponing. As used herein, reverse couponing may also bereferred to as reverse offering. At block 510, the method comprisesdetermining user information and account information associated with auser. At block 520, the method comprises adjusting offer informationassociated with an offer based on the user information and the accountinformation, wherein the offer enables the user to receive at least oneof a discount or a rebate on a purchase from a merchant. At block 530,the method comprises transmitting the adjusted offer to the user. Asused herein, an offer may also be referred to as a coupon (e.g., anelectronic coupon).

The system enables transmission of individualized or personalized offersto users. For example, an offer associated with a merchant may be a 10%discount on a purchase made from that merchant. The system enablesadjusting the discount associated with the offer, such that some usersare presented with an offer for receiving a 12% (or 8%) discount on apurchase made from the merchant, while other users are presented with anoffer for receiving a 10% discount on the same purchase made from thesame merchant.

In some embodiments, prior to transmitting or presenting an offer to auser, the system determines user information and account informationassociated with a user. The account information comprises a transactionhistory associated with the user's financial institution account. Asdescribed herein, the transaction history comprises at least one of atype of a transaction, a frequency associated with the transaction, anamount associated with the transaction, or a merchant associated withthe transaction. As described herein, the user information comprisespersonal information associated with at least one of the user, a familymember of the user, or a friend of the user. As described herein, thepersonal information comprises at least one of demographic information,salary information, contact information, residence address information,job profile information, education information, or social networkinformation.

In some embodiments, the system receives information (e.g., from asocial network) regarding a purchase transaction to be executed by theuser within a predetermined period of time in the future. In otherembodiments, the system determines or predicts a purchase transaction tobe executed by the user within a predetermined period of time in thefuture. This prediction may be based on the account information (e.g.,transaction history) and/or user information (e.g., change in residenceaddress, social networking information, or the like) described herein.For example, the system may determine, based on the change in the user'sresidence address, that the user will make a purchase transactionassociated with moving services, buying new furniture, or the like. As afurther example, the system may determine, based on transaction historyassociated with recent transactions, that the user is getting ready toremodel the user's kitchen. In some embodiments, a purchase transactionmay refer to any type of transaction associated with the user'sfinancial institution account.

In some embodiments, the system receives information associated with anevent in the user's life (e.g., the user is expecting the birth of a newkid within the next month). The system may predict the occurrence ofthis event based on at least one of the account information or the userinformation described herein. Alternatively or additionally, the usermay self-declare the occurrence of this event to the merchant and/or tothe financial institution. The system may determine whether to adjustoffer information associated with the offer based on informationassociated with the event. In some embodiments, the system determineswhether to adjust offer information associated with the offer afterverifying the occurrence (or the predicted occurrence) of the eventbased on multiple sources of account information and/or userinformation.

In some embodiments, the system adjusts offer information associatedwith an offer based on the user information and the account information.As explained herein, the offer enables the user to receive at least oneof a discount or a rebate on a purchase from a merchant. As explainedherein, the offer is an offer to receive at least one of a discount or arebate on at least one of a purchase previously made by the user, apurchase from a merchant from which the user previously made a purchase,an alternative to the purchase previously made by the user, analternative to the purchase from the merchant from which the userpreviously made a purchase, or a product or service related to apurchase previously made by the user.

In some embodiments, adjusting the offer information comprises adjusting(either increasing or decreasing) an amount or a percentage of adiscount or a rebate associated with a purchase transaction.Additionally or alternatively, in some embodiments, adjusting the offerinformation comprises adjusting a type of purchase transaction (e.g.,product or service) for which the offer can be used. As an example, anoffer may be valid for purchasing a refrigerator. The adjusted offer maybe valid for purchasing a stove, and not a refrigerator. Alternatively,the adjusted offer may be valid for purchasing both a refrigerator and astove. Additionally or alternatively, in some embodiments, adjusting theoffer information comprises adjusting a merchant for which the offer canbe used. As an example, an offer may be valid for a purchase fromMerchant ‘A.’ The adjusted offer may be valid for a purchase fromMerchant ‘B,’ and not ‘Merchant A.’ Alternatively, the adjusted offermay be valid for purchases both from Merchant ‘A’ and Merchant ‘B.’

In some embodiments, the offer comprises a stored value card associatedwith a merchant. For example, the stored value card is a prepaid storedvalue card (e.g., a prepaid payment card) that is priced at $10,000 andenables the user to buy $10,500 of goods and/or services. As explainedherein, the system may determine that the user is going to remodel theuser's kitchen in the near future. Based on this determination, thesystem may adjust the stored value card's price to $9,500 for the user,and may transmit this adjusted offer to the user. If the user chooses tobuy the stored value card for $9,500, the card will enable the user tobuy $10,500 of goods and/or services.

After adjusting the offer, the system transmits the adjusted offer tothe user. As explained herein, the offer is transmitted to the userbased on determining a substantial match between the offer informationand at least one of the user information or the account information.Additionally, as explained herein, the offer is transmitted to the userbased on the user not being excluded by at least one user exclusion ruleand the merchant not being excluded by at least one merchant exclusionrule. As explained herein, the at least one user exclusion rulecomprises at least one of an affinity exclusion rule, a risk exclusionrule, or an account exclusion rule. Also as explained herein, the atleast one merchant exclusion rule comprises a merchant category codeexclusion rule. Also as explained herein, some merchants associated withan excluded merchant category code are not excluded.

In some embodiments, the step of determining a substantial match betweenthe offer information and at least one of the user information or theaccount information is performed when determining user information andaccount information associated with the user (e.g., prior to adjustingthe offer). If a substantial match is determined, the system determineswhether to adjust the offer based on at least one of the userinformation or the account information. Additionally or alternatively,in some embodiments, the step of determining whether a substantial matchexists is performed prior to transmitting the adjusted offer to theuser.

Additionally, in some embodiments, the step of determining whether theuser is excluded by at least one user exclusion rule and/or whether themerchant is excluded by at least one merchant exclusion rule isperformed when determining user information and account informationassociated with the user (e.g., prior to adjusting the offer). If boththe user and the merchant are not excluded, the system determineswhether to adjust the offer based on at least one of the userinformation or the account information. Additionally or alternatively,in some embodiments, the step of determining whether the user isexcluded by at least one user exclusion rule or whether the merchant isexcluded by at least one merchant exclusion rule is performed prior totransmitting the adjusted offer to the user.

As explained herein, in some embodiments, the transmitted offer ispresented via at least one of a user interface associated with theuser's financial institution account, a user interface associated withthe user's social network account, email, or text message. As explainedherein, the offer may be presented to the user on a portable mobilecommunication device.

As explained herein, the user receives the at least one of the discountor the rebate associated with the offer after the user executes apurchase transaction associated with the offer. For example, after theuser executes a purchase transaction associated with the adjusted offer,the adjusted offer and the purchase transaction are processed as part ofa batch processing operation, wherein the batch processing operationcomprises processing a plurality of financial institution accounts.

As explained herein, a user may also refer to a family or a householdcomprising a plurality of users (e.g., husband, wife, and kids). Theaccount information and/or user information associated with the varioususers in the household may be considered cumulatively for variouspurposes described herein. The account information may comprise accountinformation associated with a single account that is accessible to thevarious users in the household, or may comprise account informationassociated with separate accounts associated with various users in thehousehold.

In some embodiments, the offer (either the first offer or the adjustedoffer) is applied to the largest transaction (e.g., purchasetransaction) that qualifies for the offer during a predetermined period(e.g., the previous week). In other embodiments, the offer is applied tomultiple transactions that qualify for the offer during a predeterminedperiod. In such embodiments, the offer may be applied individually toeach qualifying transaction, or at least some (or all) of the qualifyingtransactions during the predetermined period may be aggregated and theoffer is applied to the aggregate. In other embodiments, the offer isapplied to at least one transaction that occurs during a period definedby the merchant (e.g., from 4 PM to 6 PM on a particular day). In otherembodiments, the offer is applied to at least one transaction greaterthan a predetermined amount that occurs during a predetermined period(e.g., a period defined by the merchant). In other embodiments, theoffer is applied to the first (or second, or third, or the like)transaction greater than a predetermined amount (and/or less than asecond predetermined amount) after the user activated the offer. Inother embodiments, the offer is applied to the largest transaction onthe first day (or other predetermined period such as a particularsecond, minute, hour, day, week, month, or the like) when the user makesa transaction after activating the offer. Therefore, for example, theuser activates an offer on Monday. On Wednesday morning, the userexecutes a $10 transaction that qualifies for the offer. On Wednesdayevening, the user executes a $20 transaction that qualifies for theoffer. In this example, the offer is applied to the $20 transaction, andnot to the $10 transaction. In some embodiments, the date of atransaction is the date when a user executes the transaction. In otherembodiments, the date of a transaction is the date when the merchantsettles the transaction.

In some embodiments, the system described herein may determine that theuser has activated an offer, but has not made a purchase associated withthe offer for a predetermined period after activating the offer.Additionally, the system may determine, based on the user's accountinformation (e.g., transaction history), that the user has madepurchases for goods or services at a merchant that competes with themerchant associated with the activated offer. In order to encourage theuser to make a purchase associated with the activated offer, the systemmay adjust the offer (e.g., increase the rebate or discount amountassociated with the offer, replace the merchant associated with theoffer with the merchant from which the user made purchases during thepredetermined period, or the like). The offer adjustment may becommunicated to the user to encourage the user to make a purchaseassociated with the adjusted offer. Additionally or alternatively, thesystem may, at the time of settlement of the user's purchase made duringthe predetermined period after activating the offer, substitute theoffer with the adjusted offer (may be referred to as the second offer)so that the user receives a discount or rebate on the user's purchase.

In some embodiments, the system described herein may determine that theuser does not activate offers associated with a particular merchant(and/or service or good), but has made purchases from a competingmerchant for similar services or goods. Based on this determination, thesystem may, in the future, transmit to the user offers associated withthe merchant from which the user made purchases. In other embodiments,at the time of settlement of the user's purchases, the system applies anoffer associated with the merchant from which the user made purchases.

In accordance with embodiments of the invention, the term “module” withrespect to a system may refer to a hardware component of the system, asoftware component of the system, or a component of the system thatincludes both hardware and software. As used herein, a module mayinclude one or more modules, where each module may reside in separatepieces of hardware or software.

Although many embodiments of the present invention have just beendescribed above, the present invention may be embodied in many differentforms and should not be construed as limited to the embodiments setforth herein; rather, these embodiments are provided so that thisdisclosure will satisfy applicable legal requirements. Also, it will beunderstood that, where possible, any of the advantages, features,functions, devices, and/or operational aspects of any of the embodimentsof the present invention described and/or contemplated herein may beincluded in any of the other embodiments of the present inventiondescribed and/or contemplated herein, and/or vice versa. In addition,where possible, any terms expressed in the singular form herein aremeant to also include the plural form and/or vice versa, unlessexplicitly stated otherwise. Accordingly, the terms “a” and/or “an”shall mean “one or more,” even though the phrase “one or more” is alsoused herein. Like numbers refer to like elements throughout.

As will be appreciated by one of ordinary skill in the art in view ofthis disclosure, the present invention may include and/or be embodied asan apparatus (including, for example, a system, machine, device,computer program product, and/or the like), as a method (including, forexample, a business method, computer-implemented process, and/or thelike), or as any combination of the foregoing. Accordingly, embodimentsof the present invention may take the form of an entirely businessmethod embodiment, an entirely software embodiment (including firmware,resident software, micro-code, stored procedures in a database, or thelike), an entirely hardware embodiment, or an embodiment combiningbusiness method, software, and hardware aspects that may generally bereferred to herein as a “system.” Furthermore, embodiments of thepresent invention may take the form of a computer program product thatincludes a computer-readable storage medium having one or morecomputer-executable program code portions stored therein. As usedherein, a processor, which may include one or more processors, may be“configured to” perform a certain function in a variety of ways,including, for example, by having one or more general-purpose circuitsperform the function by executing one or more computer-executableprogram code portions embodied in a computer-readable medium, and/or byhaving one or more application-specific circuits perform the function.

It will be understood that any suitable computer-readable medium may beutilized. The computer-readable medium may include, but is not limitedto, a non-transitory computer-readable medium, such as a tangibleelectronic, magnetic, optical, electromagnetic, infrared, and/orsemiconductor system, device, and/or other apparatus. For example, insome embodiments, the non-transitory computer-readable medium includes atangible medium such as a portable computer diskette, a hard disk, arandom access memory (RAM), a read-only memory (ROM), an erasableprogrammable read-only memory (EPROM or Flash memory), a compact discread-only memory (CD-ROM), and/or some other tangible optical and/ormagnetic storage device. In other embodiments of the present invention,however, the computer-readable medium may be transitory, such as, forexample, a propagation signal including computer-executable program codeportions embodied therein.

One or more computer-executable program code portions for carrying outoperations of the present invention may include object-oriented,scripted, and/or unscripted programming languages, such as, for example,Java, Perl, Smalltalk, C++, SAS, SQL, Python, Objective C, JavaScript,and/or the like. In some embodiments, the one or morecomputer-executable program code portions for carrying out operations ofembodiments of the present invention are written in conventionalprocedural programming languages, such as the “C” programming languagesand/or similar programming languages. The computer program code mayalternatively or additionally be written in one or more multi-paradigmprogramming languages, such as, for example, F#.

Some embodiments of the present invention are described herein withreference to flowchart illustrations and/or block diagrams of apparatusand/or methods. It will be understood that each block included in theflowchart illustrations and/or block diagrams, and/or combinations ofblocks included in the flowchart illustrations and/or block diagrams,may be implemented by one or more computer-executable program codeportions. These one or more computer-executable program code portionsmay be provided to a processor of a general purpose computer, specialpurpose computer, and/or some other programmable data processingapparatus in order to produce a particular machine, such that the one ormore computer-executable program code portions, which execute via theprocessor of the computer and/or other programmable data processingapparatus, create mechanisms for implementing the steps and/or functionsrepresented by the flowchart(s) and/or block diagram block(s).

The one or more computer-executable program code portions may be storedin a transitory and/or non-transitory computer-readable medium (e.g., amemory or the like) that can direct, instruct, and/or cause a computerand/or other programmable data processing apparatus to function in aparticular manner, such that the computer-executable program codeportions stored in the computer-readable medium produce an article ofmanufacture including instruction mechanisms which implement the stepsand/or functions specified in the flowchart(s) and/or block diagramblock(s).

The one or more computer-executable program code portions may also beloaded onto a computer and/or other programmable data processingapparatus to cause a series of operational steps to be performed on thecomputer and/or other programmable apparatus. In some embodiments, thisproduces a computer-implemented process such that the one or morecomputer-executable program code portions which execute on the computerand/or other programmable apparatus provide operational steps toimplement the steps specified in the flowchart(s) and/or the functionsspecified in the block diagram block(s). Alternatively,computer-implemented steps may be combined with, and/or replaced with,operator- and/or human-implemented steps in order to carry out anembodiment of the present invention.

While certain exemplary embodiments have been described and shown in theaccompanying drawings, it is to be understood that such embodiments aremerely illustrative of and not restrictive on the broad invention, andthat this invention not be limited to the specific constructions andarrangements shown and described, since various other changes,combinations, omissions, modifications and substitutions, in addition tothose set forth in the above paragraphs, are possible. Those skilled inthe art will appreciate that various adaptations, modifications, andcombinations of the just described embodiments can be configured withoutdeparting from the scope and spirit of the invention. Therefore, it isto be understood that, within the scope of the appended claims, theinvention may be practiced other than as specifically described herein.

What is claimed is:
 1. An apparatus for reverse couponing, the apparatuscomprising: at least one memory comprising a volatile memory and anon-volatile memory, wherein the volatile memory and the non-volatilememory are independent of each other; at least one processor; and afirst module stored in the non-volatile memory, executable by the atleast one processor, and configured to cause the at least one processorto: electronically receive a first input information associated with auser, wherein the first input information comprises account informationassociated with a user's financial institution account and personalinformation associated with the user; store the first input informationin a queue associated with the volatile memory until a second inputinformation is received, wherein queuing further comprises reorganizingthe first input information into the volatile memory; receive secondinput information associated with the user, wherein the second inputinformation comprises social network information associated with theuser; store the second input information in the queue associated withthe volatile memory, wherein queuing the second input informationfurther comprises reorganizing the second input information into thevolatile memory; and determine a user profile based on at least thefirst input information and the second input information stored in thequeue associated with the volatile memory; a second module stored in thenon-volatile memory, executable by the at least one processor, andconfigured to cause the at least one processor to: determine offerinformation associated with an offer based on at least the user profiledetermined using the first input information and the second inputinformation stored in the queue associated with the volatile memory, theoffer being associated with a variable discount or a rebate; adjust theoffer information associated with the offer based on the userinformation and the account information, wherein the offer enables theuser to receive at least one of a discount or a rebate on a purchasefrom a merchant, wherein adjusting the offer information compriseseither increasing or decreasing the discount or the rebate, whereinadjusting further comprises: determining that the user is not excludedfrom receiving at least one offer based on at least a first userexclusion rule; and determining that the offer from the merchantassociated with a predetermined category code is not excluded from beingpresented to the user based on at least a first merchant exclusion rule;and determine that the user has executed the purchase with the merchant,wherein determining further comprises: determining that the user isexcluded from receiving the offer for the purchase based on at least asecond user exclusion rule; and determining that the offer from themerchant is excluded from being presented to the user based on at leastthe second merchant exclusion rule; wherein the second user exclusionrule and the second merchant exclusion rule are applied before thepurchase is settled at a predetermined future settlement date; and applythe at least one offer to the purchase executed by the user at thepredetermined future settlement date based on at least determining thatthe user and the offer from the merchant are not excluded at the time ofthe execution of the purchase and are excluded at the predeterminedfuture settlement date.
 2. The apparatus of claim 1, wherein thedetermining the user information and the account information associatedwith the user comprises determining a purchase transaction to beexecuted by the user within a predetermined period of time in thefuture.
 3. The apparatus of claim 1, wherein the module is furtherconfigured to cause the at least one processor to: determine the offeris activated based on a preconfigured user preference prior to executinga transaction qualifying for the offer at a physical point of saleterminal of the merchant; and determine execution of the transactionqualifying for the offer at the physical point of sale terminal, whereinthe merchant and the user are not alerted, at the point of saleterminal, about the discount or rebate on the transaction.
 4. Theapparatus of claim 1, wherein the offer comprises a stored value cardassociated with a merchant or an electronic coupon.
 5. The apparatus ofclaim 1, wherein the adjusting comprises adjusting an amount or apercentage of the discount or the rebate associated with a purchasetransaction.
 6. The apparatus of claim 1, wherein the adjustingcomprises adjusting a type of purchase transaction for which the offercan be used.
 7. The apparatus of claim 1, wherein the adjustingcomprises changing a merchant for which the offer can be used.
 8. Theapparatus of claim 1, wherein the offer is transmitted to the user basedon at least one of the user information or the account information. 9.The apparatus of claim 8, wherein the module is configured to determinewhether to transmit the offer to the user based on the at least one ofthe user information or the account information prior to adjusting theoffer information associated with the offer.
 10. The apparatus of claim1, wherein after the user executes a purchase transaction associatedwith the offer, the offer and the purchase transaction are processed aspart of a batch processing operation, wherein the batch processingoperation comprises processing a plurality of financial institutionaccounts.
 11. The apparatus of claim 1, wherein the account informationcomprises a transaction history associated with the user's financialinstitution account, and wherein the transaction history comprises atleast one of a type of a transaction, a frequency associated with thetransaction, an amount associated with the transaction, or a merchantassociated with the transaction, and wherein the user informationcomprises personal information associated with at least one of the user,a family member of the user, or a friend of the user, wherein thepersonal information comprises at least one of demographic information,salary information, contact information, residence address information,job profile information, or education information.
 12. The apparatus ofclaim 1, wherein the offer is presented via at least one of a userinterface associated with the user's financial institution account, auser interface associated with the user's social network account, email,or text message.
 13. The apparatus of claim 1, wherein the offer ispresented to the user on a portable mobile communication device.
 14. Theapparatus of claim 1, wherein the offer comprises an offer to receive atleast one of the discount or the rebate on at least one of: a purchasepreviously made by the user, a purchase from a merchant from which theuser previously made a purchase, an alternative to the purchasepreviously made by the user, an alternative to the purchase from themerchant from which the user previously made a purchase, or a product orservice related to a purchase previously made by the user.
 15. Theapparatus of claim 1, wherein the purchase comprises at least one of: atleast one purchase associated with a predetermined period, at least onepurchase associated with a predetermined amount, an aggregate of aplurality of purchases, or a largest purchase.